Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2017

Guidelines governing the classification of capital tiers

The Federal Reserve, the FDIC and the Office of the Comptroller of the Currency have issued guidelines governing the levels of capital that banks must maintain. Those guidelines specify capital tiers, which include the following classifications:



Capital Tiers	Tier 1 Capital to Average Assets (Leverage)	Common Equity Tier 1 to Risk - Weighted Assets	Tier 1 Capital to Risk – Weighted Assets	Total Capital to Risk – Weighted Assets
Well capitalized	5% or above	6.5% or above	8% or above	10% or above
Adequately capitalized	4% or above	4.5% or above	6% or above	8% or above
Undercapitalized	Less than 4%	Less than 4.5%	Less than 6%	Less than 8%
Significantly undercapitalized	Less than 3%	Less than 3%	Less than 4%	Less than 6%
Critically undercapitalized	Tangible Equity / Total Assets less than 2%

Capital and risk-based capital and leverage ratios

The following table provides the capital and risk-based capital and leverage ratios for the Company and for Renasant Bank as of the dates presented:



	September 30, 2017				December 31, 2016
	Amount		Ratio		Amount		Ratio
Renasant Corporation
Tier 1 Capital to Average Assets (Leverage)	$	970,005	10.05	%	$	858,850	10.59	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	887,234		11.21	%	766,560		11.47	%
Tier 1 Capital to Risk-Weighted Assets	970,005		12.26	%	858,850		12.86	%
Total Capital to Risk-Weighted Assets	1,131,605		14.30	%	1,004,038		15.03	%
Renasant Bank
Tier 1 Capital to Average Assets (Leverage)	$	990,117	10.28	%	$	824,850	10.20	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	990,117		12.54	%	824,850		12.38	%
Tier 1 Capital to Risk-Weighted Assets	990,117		12.54	%	824,850		12.38	%
Total Capital to Risk-Weighted Assets	1,038,473		13.15	%	871,911		13.09	%